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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,012 | $81,870-71.9% | $119,634-80.8% | $68,490-66.4% |
| Participation rate | 69.6% | 71.9%-2.3pp | 79.3%-9.7pp | 67.9%+1.7pp |
| Annual return | -14.61% | -23.82%+9.2pp | -14.98%+0.4pp | -7.85%-6.8pp |
| Employer contribution / active EE | $2,865 | $2,692+6.4% | $4,232-32.3% | $2,597+10.3% |
| Participant deferral / active EE | $709 | $4,148-82.9% | $5,601-87.3% | $4,028-82.4% |
| Admin fee / account holder | $1,325 | $6,583-79.9% | $10,329-87.2% | $5,403-75.5% |